Dolores Bowstring, a member of the Lac Courte Oreilles (LCO) Band of Lake Superior Chippewa Tribe, has lived and worked on the LCO reservation near Hayward, Wisconsin much of her life. From the cozy interior of her new home, which is decorated with traditional, handcrafted artwork, she marvels at how many changes a single year can bring. In early 2003, Dolores had no home to call her own and was temporarily living with her sister to make ends meet. With her modest income from a job at the LCO Halfway House, she hoped to purchase a home someday, though she believed she lacked the resources to do so anytime soon. Years earlier, Dolores had obtained a land lease on a home site held in trust by the LCO Band, but after investing funds into clearing it of brush, the site laid empty. A flyer advertising Chippewa Valley Bank's involvement in the HUD Section 184 Guarantee Program caught Dolores's eye one day, and she quickly learned that with their help, she just might be able to build a home on her land, after all. She enlisted the assistance of former LCO Councilman Al Trepania to help her navigate the application process and soon found herself on the road to homeownership. Relying on the HUD Program to address the common barriers associated with lending on tribal land, the FHLB Chicago to purchase the HUD-guaranteed loan, and Jackson County Bank to service the loan, Chippewa Valley was able to provide construction and permanent financing for Dolores's new home. Dolores moved in to the new, modular home in August of 2003. Charlie Warner, a Vice President at Chippewa Valley Bank, credits the innovative programs with Dolores's success. "Dolores would not be a homeowner without the HUD and Chicago FHLB programs."